Udhaar Risk and the Recovery Ladder
Every customer who owes you gets a risk score from 0 to 100 with the reasons (days overdue, balance against their usual bill, how long they take to pay, promises missed, last payment). Before credit to a high-risk customer the counter and the invoice form show a calm warning. The recovery ladder, when you switch it on, reminds each overdue customer step by step: polite, firmer, a UPI pay link, then a task for you to call — never more than one message in 3 days and nothing between 9 pm and 9 am.
- Open Cash & Bank → Udhaar (Khata). Each customer shows a badge: High Risk, Keep an Eye or Low Risk; tap a badge filter to see only those.
- Open a customer to see the score with its reasons and the ladder history.
- At the bottom open Recovery Ladder, tick Run the recovery ladder, set the days for each step and Save.
- Messages you have to send yourself wait under Reminders Ready to Send; calls to make show under Customers to Call.
- Pause the ladder for one customer from their page; it stops by itself when they pay or promise a date.